Sector pending / Personal Credit InstitutionsUpdated 2026-05-10 22:07 UTC

FRA/855 stock hub

FRA/855 has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

2.4B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/855

In the news

Latest news · FRA/855

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E9.9

P25 n/aP50 n/aP75 n/a

Trailing P/E55

P25 n/aP50 n/aP75 n/a

ROE7

P25 n/aP50 n/aP75 n/a

ROIC3.4

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/855 market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

183

Groups with data

Currency

USD

Showing 183 of 183 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United States
Country code	DE
Employees	1,405
Employees Change	212%
Employees Change Percent	17.77
Enterprise value	EUR 3.6B
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Personal Credit Institutions
Last refreshed	2026-05-10
Market cap	EUR 2.4B
Price	EUR 24.43
Price currency	EUR
Rev Per Employee	724,528.22x
Sic	6141
Symbol	fra/855
Website	https://www.upstart.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	1.82%
EV Earnings	84.78x
EV/EBIT	57.3x
EV/EBITDA	36.63x
EV/FCF	-15.48x
EV/Sales	3.64x
FCF yield	-9.97%
Forward P/E	9.87x
P/B ratio	3.7x
P/E ratio	54.96x
P/S ratio	2.31x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	6.36%
EBITDA Margin	8.43%
Gross margin	82.71%
Gross Profit	EUR 841.9M
Gross Profit Growth	61.86%
Gross Profit Growth Q	46.47%
Gross Profit Growth3 Y	27.16%
Gross Profit Growth5 Y	31.13%
Net Income	EUR 42.8M
Net Income Growth5 Y	41.78%
Pretax Margin	4.28%
Profit Margin	4.21%
Profit Per Employee	EUR 30,496
ROA	1.77
Roa5y	-0.91
ROCE	2.69
ROE	7.01
Roe5y	-7.95
ROIC	3.44
Roic5y	1.55

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	-40.13%
Cagr3y	26.81%
EPS Growth5 Y	12.09
Revenue Growth	54.67x
Revenue Growth Q	44.55x
Revenue Growth3 Y	21.63x
Revenue Growth5 Y	31.67x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.45
Assets	EUR 2.6B
Cash	EUR 411.7M
Current Assets	EUR 1.8B
Current Liabilities	EUR 155.7M
Debt	EUR 1.7B
Debt EBITDA	EUR 16.95
Debt Equity	EUR 2.7
Debt FCF	EUR -7.31
Equity	EUR 635.9M
Interest Coverage	2.13
Liabilities	EUR 1.9B
Long Term Assets	EUR 755M
Long Term Liabilities	EUR 1.8B
Net Cash	EUR -1.3B
Net Cash By Market Cap	EUR -55.38
Net Debt EBITDA	EUR 15.2
Net Debt Equity	EUR 2.05
Tangible Book Value	EUR 535.9M
Tangible Book Value Per Share	EUR 5.6

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	11.65
Net Working Capital	EUR 1.3B
Quick ratio	2.84
Working Capital	EUR 1.7B
Working Capital Turnover	EUR 0.56

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-18.51%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	-40.11%
200-day SMA	39.44
3Y total return	103.95%
50-day SMA	24.55
50-day SMA vs 200-day SMA	50under200
All Time High	351
All Time High Change	-93.04%
All Time High Date	2021-10-15
All Time Low	10.87
All Time Low Change	124.74%
All Time Low Date	2023-05-03
ATR	1.19
Ch YTD	-36.59
High	24.97
High52	72.93
High52 Date	2025-07-31
High52ch	-66.51%
Low	24.27
Low52	20.73
Low52 Date	2026-04-02
Low52ch	17.82%
Ma50ch	-0.53%
Price vs 200-day SMA	-38.08%
RSI	43.67
RSI Monthly	40.85
RSI Weekly	39.3
Sharpe ratio	-0.4x
Sortino ratio	-0.49
Total Return	-18.51%
Tr YTD	-36.59
Tr1m	7.34%
Tr1w	-11.34%
Tr3m	-17.94%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 64.7M
Operating Income Growth Q	13
Operating Income Growth5 Y	18.02
Operating margin	6.36

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	78,411,014%
Net Borrowing	506,073,049.2
Shares Insiders	12.84%
Shares Institutions	69.34%
Shares Qo Q	-13.65%
Shares Yo Y	18.51%
Short Ratio	5.05

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -353.5M
Average Volume	107.55x
Bv Per Share	6.64
CAPEX	EUR -2.7M
Ch1m	7.34
Ch1w	-11.34
Ch1y	-40.11
Ch3m	-17.94
Ch3y	104
Ch6m	-22.01
Change	-2.08%
Change From Open	0.6
Close	24.95
Days Gap	-2.69
Depreciation Amortization	20,599,540.9
Dollar Volume	488.5
Earnings Date	2026-05-05
EBIT	EUR 64.7M
EBITDA	EUR 85.8M
EPS	EUR 0.36
F Score	4
FCF	EUR -234.7M
FCF EV Yield	-6.46x
Financing CF	396,415,076
Fiscal Year End	December
Founded	2,012
Goodwill	56,866,027.6
Graham Number	8.12066
Graham Upside	-66.75
Income Tax	EUR 679,096
Investing CF	-84,757,760
Is Primary Listing	0
Last Earnings Date	2026-05-05
Last Report Date	2026-03-31
Lynch Fair Value	EUR 11.11
Lynch Upside	-54.51
Ma150	33.07
Ma150ch	-26.15%
Ma20	26.74
Ma20ch	-8.64%
Net CF	79,623,344
Next Earnings Date	2026-08-04
Open	24.28
Position In Range	22.14
Ppne	18,152,322.5
Price Date	2026-05-08
Price EBITDA	EUR 27.45
Ptbv Ratio	4.39
Relative Volume	0.37x
Revenue	1,017,962,152x
SBC By Revenue	11.67x
Share Based Comp	118,759,389
Tax By Revenue	0.07x
Tax Rate	1.56%
Tr6m	-22.01%
Volume	0
Z Score	2.4

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does FRA/855 pay a dividend?

Capital-return profile for this ticker.

Performance

FRA/855 stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/855?

Insider, institutional, and short-interest positioning.

Institutional ownership

+69.3%

Share of float held by funds and institutions

Insider ownership

+12.8%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/855 momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

43.7

Neutral momentum band

Price vs 200-day MA

-38.1%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

-0.40

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/855

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/855 stock rating?

fra/855 is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/855 analysis?

The full report lives at /stocks/fra/855/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/855?

The latest report frames fra/855 around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/855 page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.